Hey everyone and welcome to the Paths in life to day we going to learn How to overcome poverty now let’s begin.
1. | Educate yourself to take the right path.

Will Researching about education it shows that you stand to make more money if you have a higher level of education or a degree. In other words If you want to get out of poverty and stay out, one of the best things you can do is get the right education and training.
Some careers only require a two-year degree, and offer $50,000-60,000 a year. Go to your local community college and see what programs they offer. They should be able to help you find careers in high demand.
And also be sure to Talk to the financial aid office about programs to help you pay tuition. Depending on your circumstances, you may not need to take out student loans.
2. | Examine your housing options were you leave.

When Finding an affordable house it can be difficult if you’re living on or below minimum wage. On the other hand If you’re renting, try to find your self a roommate. When Sharing the cost of housing can make things much more affordable.
In this way If you have a house, see if you can find a way to lease one of the rooms. Make sure to do a background check on any potential roommates. Be especially thorough if you have children.
Consider moving to a state with a lower cost of living. If it is particularly difficult to find inexpensive housing, you may need to move. Remember to all ways do some research and compare the cost of living in different cities. If you do decide to move, make sure you have a job lined up before setting out.
3. | Looking for a better job you want.

If you are looking for a better job and also if you’re living in poverty Chances are, you already work multiple jobs. When Working two or more jobs is not a permanent solution to overcoming poverty, and may cause more stress than it relieves in other words.
If you don’t have access to the internet at your house, use the public library.
And searching for a better job you like as full-time job part of your daily routine. If you have a few hours in the morning before you go to work, use that time to search for jobs.
Don’t apply to every job you come across. Be selective in your job search and find something that will improve your situation.
Build a LinkedIn account to help you with your job search. Build your profile to attract potential employers. Include a professional photograph and a catchy headline. Fill out as much of the profile as you can. Treat it like an overflow for your resume. If you have a lot of volunteer experience but can’t fit it on your resume, include it in your profile.
4. |Try to negotiate a raise with your boss.

Depending your way on how long you’ve been in your current job, you may be able to persuade your manager to give you a raise when working for him or her on something. However, make sure you have a reason to ask for a raise before scheduling a nice meeting with your boss will do and.
Do a little research and see what other people in your field are getting paid. Never ever ask your coworkers how much they make, but check online and see what the average pay rate is for the job you work in and also.
Don’t demand more money from your boss because you think you deserve it. Remember to stay calm and try to work with your boss to reach a decision that is beneficial for both of you. Look for ways to help your boss. You may have to take on more responsibilities for higher pay.
5. | Pay off any outstanding loans and try to Look into banking alternatives.

If you have any debt at all, pay it off as soon as you can when ever you get payment, at your job. You cannot afford to be in debt at all, if you’re making a minimum wage or less.
Getting debt-free should be your top priority all the time.
Some banks may charge you fees if you don’t have a minimum amount in your account at the bank. This can make it difficult to save money on your account. However, there are banking alternatives that may help you get on your feet.
Services such as American Express Bluebird are almost completely free. While Bluebird does not help you build credit, it does prevent you from paying any fees for not carrying a minimum balance.
6. | Try your best to start a budget.

If you are looking to start a budget you should do it right away because, Without a budget it can be really hard to keep track of your expenses. You’re more likely to overspend, and less likely to set aside money for savings.
Always Examine your income, or your bills, when budgeting your income and how you spend any extra money you may have. Try to always Make goals and keep track of your spending. Remember The sooner you learn how to budget, the quicker you can reach financial independence. Try to
Make a list of your needs and your wants. Like for example Needs are things like food, clothing, shelter, and medicine. Wants are things like pets, entertainment, computers, games, and TV. Some things may be harder to give up than others, but it’s important to determine what you can and can’t live without.
7. | Never rely on payday loans for your own emergency funds.

Payday loans can be tempting for you, but they are never a good idea at all, when ever you are Relying on payday loans it will not only make your financial situation worse however,
It may be difficult, and will likely to take some financial creativity, always try, to start an emergency fund. A good goal for a starting emergency fund is $500. That may seem like a lot of money, but always start small. And Try to set aside around $10 per paycheck.
The best thing you can do to avoid turning to payday lenders is to stick to your budget. If you stick to your budget and you still come up short, don’t immediately turn to lenders for help. Try to work out payment arrangements if possible. See if you can delay payment until your next paycheck arrives. However, be cautious when working out late payments. Ask about any fees for extended payments, and don’t get behind. Continual late payments can hurt your credit score.
8. | Avoid shopping at rent-to-own stores when buying to many things and shop for used goods you need.

Rent-to-own stores are appealing on the surface. You see something you want to buy that you really want but can’t afford it right now and they give you a way to afford it. But, if you shop at these stores you will end up paying far more in interest than the item is worth.
What I am saying is Rather than shopping at a rent-to-own store, wait until you have the money for the item in question. If you find a TV for $400 and decide to lease it from a rent-to-own store, you could end up paying over $1000 in interest.
There is no reason to always buy everything right now. If you have a little extra money and you really want to spend it now, it can be tempting to splurge and treat yourself to something nice you like. However, if you do this too often when you are spending to much, you can run the risk of creating bad spending habits. If you can find it used, take that route and save yourself some money like.
Clothes, tools, books, and even fitness equipment are all easy to find used. Buying your large appliances and cars used can also help you save some money.
9. | Find out easy ways to pay for health insurance.

Health insurance is not always affordable for everyone, but there are ways to get coverage if you are living in poverty. In that way Maintaining your health is always important, especially if you are living in poverty. People living in poverty are more susceptible to health problems, and medical bills this can be really devastating.
If you have health insurance through the federal or state government, you may be eligible for a subsidy. The requirements for eligibility are usually based on household income and family size.
Healthcare.gov can help you determine if you qualify for a healthcare subsidy.
If you have outstanding medical bills, try to negotiate with the hospital. Review your bills and look for any charges that don’t belong. Sometimes errors will slip through the cracks and you may find yourself overcharged.
If you can’t pay any of your medical bills, and you’ve talked with your doctor, try looking online for support. There are plenty of crowdfunding resources available for people living in poverty.
10. | Save up on change and Learn to barter.

Look for a jar and Start to put all the remain changes in the jar it is not going to make you rich overnight, but it will help you save small amounts that you can add to your savings account.
Put your loose coins into a jar at the end of each day. When you fill the jar, roll your coins and put them into a savings account.
You can barter with someone for goods or services. If you have a particular skill set that you feel comfortable advertising to other people then, try to using it to barter for things you need.
To start bartering, decide what good or service you need. When bartering with someone and Then, think about what goods and services you can offer. You may be able to trade an hour of housekeeping, or a small household repair, for example. Find a partner you’re willing to trade with, and negotiate the terms of the agreement.
Don’t feel pressured into taking goods or services that you do not need. You can always walk away from a barter if you don’t like the terms of the agreement.
11. | Save as much money as you can.

You may not have a lot of extra money left if you’re making a minimum wage form your job. Even with a second job, most of your money is probably going towards paying bills, or paying down your debt. Still, if you have any extra money at all, you can put it aside.
And you can Find a small ways to save money by cutting back on your utilities expenses for example like. Turning off the lights when you aren’t in a room. Or you can Seal any leaks you can even find in your doors and windows. Rather than turn the heat up when it gets cold at night, throw on an extra blanket. These tricks may only save a little at a time, but it could add up.
Any extra money you get, whether it’s through a tax refund or a gift, is money you should save. It will be tempting to spend it on something new, but until you’re in a better financial position, avoid the temptation.
Avoid the temptation to spend by thinking through the purchase. Is it something you can live without? Do you only want it because it’s on sale? Depending on how you answer these questions, you may be considering an impulse buy. Don’t give in to impulse purchases.
Consider waiting 24 hours before making the purchase. If you wake up the next day and your first thought is about buying the item in question, wait a little longer. See how long you can go without the item and also challenge your self with out the item.
12. | Ask for help with child care and try to fine help from a Financial Opportunity Center with your problems.

If you have kids, try to talk to your local community center about their drop-in programs. Some Community Centers may offer a low-cost or free programs for your children or kids.
In every way You may even be able to find free activities for your kids to attend, as well as support groups for people struggling to make ends meet.
If you can’t find any programs, always ask a family member or a very close friend if they are willing to help you with your kids.
If you’re struggling really hard with changing on your financial behavior, you should seek help from a Financial Opportunity Center (FOC).x
An FOC will help you increase your income and decrease your expenses. FOCs work with low-income individuals to help them overcome poverty and secure financial independence.
13. | Surround yourself around positive people and Get credit counseling with a professional counselor.

Never let poverty isolate you from your community especially your goals. It’s important to be a part of a supportive community when things get very tough.
Being a part of a community will encourage you to stay on track on what you want to do and meet your goals and Find ways to engage with your community in a meaningful way, such as through support groups, social events, and learning circles.
If you’re really struggling with getting out of debt so bad, it may be helpful to get some financial advice. While getting help from a credit counseling organization it may not be free for you however, they may be able to help you get on your feet.
When you are searching for help, avoid any scams. If you find an organization that you want to do business with, make sure they are legitimate. Pay attention to any contracts or paperwork involved. And
Check with your state Attorney General to verify the legitimacy of any credit counseling organization. You can also check with local consumer protection agencies. If consumers have filed and complaints with the organizations, and look into them. Remember because you can’t find complaints, doesn’t mean the organization is legitimate.
Conduct an interview with any potential candidates. Ask what services they offer, what their fees are, and what qualifications they have.
Make sure that the organization provides resources for you to get out of debt, such as debt management classes and budget counseling.
14. |”shift-and-persist” approach against poverty.

In serious times like this It’s no secret that living in poverty is stressful. Studies have shown that people living in poverty deal with higher levels of Stress issues, but have fewer resources to fight it. One method, known as the “shift and persist” method, may help you to deal with stress and your problems with poverty.
The shift-and-persist method of dealing with stress is a way to examine your stressors and it may find ways to cope with them. Rather than trying to get rid of the stressor, accept your situation and adjust your outlook. when you look at
The key to making shift-and-persist work is to keep working towards future goals. Don’t become resigned to the situation you are in, and don’t give up on your dreams and your goals.
Also Practice self-affirmation. And Recognize that you have value and don’t let poverty get in the way of your feelings of your self-worth. And Think of times in the past when you were successful. Remind yourself daily that you have what it takes to solve your problems.
15. | Follow a healthy diet and eat healthy also Find time to exercise.

When Living in poverty is often associated with a poor diet and unhealthy habits like eating junk food. Processed foods are inexpensive, to poor people but contribute to poor health.
Find foods you can use in multiple meals. By buying a select few staple ingredients, you can ensure that you’re always able to make a meal. And Keep things like flour, spices, garlic, and lemons on hand.
If you can, buy items in bulk to save money. You may not always be able to afford to stock up on certain pantry items, but when you can, it’s worth it. Try setting aside a little money each month for more expensive pantry items.
Working out or exercise Along with a proper diet, is one of the best ways to defend your body from any stress. You may not have the resources to join a gym, but you can still find ways to stay active at home when exercising at your home or out of your home.
Do exercise like walks. If you have a pet or kids, this is a great activity. Walking is a good way to increase your heart rate, not to mention get out of the house. If you’re stressed about something, take a walk to clear your head. You can also use this opportunity to catch up with your family members.
Try to spend at least 30 minutes a day doing some kind of physical activity. Jog in place while you watch TV. Do push-ups or sit-ups during commercials. You don’t have to spend a solid 30 minutes exercising. You can split it up into two 15 minute segments if you need to.
16. | Set personal goals for your self.

You need to Think about what you want to accomplish in life, in both short-terms and long-terms. Also try to Write your goals down, and remind yourself daily why you’re pursuing to words them.
It can be really easy for you to lose sight of long-term goals, especially if you know it could be years until you reach them. To avoid neglecting your long-term goals you need to, set aside time to work on them. Don’t let your short-term goals get in the way of your long-term goals. And your dreams when you
Develop a good habits to help you reach your goals. Try to Wake up early and read books related to your goals, or dreams and pursue activities that will benefit you. You may have to replace some bad habits that occupy your time, such as watching too much TV or always playing video games and more.
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